"Better Than Debt Consolidation Better Than Bankruptcy"
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We Can Settle Credit Cards Debts, Taxes,
Collection Accounts, Repossessions,
Medical Bills And Unsecured Loans.
You Must Have At Least $10,000 Dollars Of Debt
Get Out Of Debt Today! Call Us 1-800-258-4131
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The author of this website is NOT an attorney and the information contained herein
does Not constitute legal advice.  Actual results may vary not available in all areas.
Debt Settlement Vs. Bankruptcy
Chapter 13 Bankruptcy
    Debt Settlement
  • Average percentage of debt to
    be repaid.

  • Duration of program


  • Control of program


  • Privacy


  • Duration of negative impact to
    credit.



  • Creditor lawsuits

  • Flexibility


  • Living expenses



  • Costs (fees, etc.) for
    professional assistance


  • Costs (fees, etc) for do-it-
    yourself approach.
  • 30% to 50%


  • 5 years of payments to court
    appointed trustee.

  • The Court has full control and can
    garnish wages.

  • Becomes public record indefinitely.


  • Bankruptcy remains on credit report
    for 10 years. May affect future job
    or loan applications beyond that
    period.

  • Blocked by bankruptcy filing.

  • None; must pay fixed monthly
    amount determined by Court.

  • Allowable living expenses
    determined by the court based on
    IRS schedules.

  • $1,200 to $1,800 average, normally
    paid up front; will probably increase
    under the new law.

  • Not recommended without proper
    educational materials.
  • 30% to 50% as low as 15% on occasion.


  • 2-3 years, depending on monthly budget and other
    available financial resources.

  • The consumer keeps control.  All funds are FDIC
    insured.

  • Privacy retained; not public record.


  • Most consumers recover credit-worthiness within 1-
    2 years after completing program.


  • Creditors may still take legal action to collect, but
    lawsuits can normally be avoided through
    negotiation process.

  • Very flexible; consumer's budget dictates pace at
    which settlement funds are built up.

  • Living expenses not disclosed to creditors except
    in rare instances to close a negotiation.

  • Flat fee based upon the total program debt.  Fees
    are paid over the duration of the program.

  • Typically accounts are settled in batches for
    volume discounts.  
1-800-258-4131
Must Have At Least $10,000 Dollars Of Debt
See Below For Details!
Debt Settlement Could Be The
Solution To Avoiding
Bankruptcy

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